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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $40,191 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO Service code 49 401 BROADHOLLOW ROAD · MELVILLE, NY 11747 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,757 | $45,022-62.8% | $85,240-80.3% | $200,096-91.6% |
| Participation rate | 13.0% | 45.8%-32.8pp | 67.5%-54.5pp | 72.0%-59.0pp |
| Annual return | 14.54% | 21.00%-6.5pp | 66.75%-52.2pp | 34.26%-19.7pp |
| Employer contribution / active EE | $111 | $1,374-91.9% | $2,735-95.9% | $3,038-96.3% |
| Participant deferral / active EE | $558 | $2,682-79.2% | $4,527-87.7% | $5,090-89.0% |
| Admin fee / account holder | $124 | $585-78.7% | $6,165-98.0% | $269-53.8% |